Global Money Movement
Send and receive money with Xago's innovative cross-border money transfer solution designed to reduce costs and currency volatility. For businesses and individuals.
Settles in
Minutes, not days
Pegged
1:1 to fiat · on XRPL
Trusted By
Why banks, corporates and remittance businesses choose Xago
Bespoke, cross-border settlement — priced per transaction, built for low-liquidity corridors.
Per-transaction pricing
No monthly fees or lock-in. Pay only when the money moves.
Regulation
Xago is regulated in multiple jurisdictions.
Fiat on- and off-ramp
Local settlement in over 60 countries.
Stablecoin settlement
Supporting major stablecoins, including USDT and USDC.
Hard-to-reach corridors
Serving routes where traditional banking rails are slow, costly or have liquidity constraints.
XRPL
Tech stack built on proven blockchain technology.
Start using Xago in 3 simple steps
From sign-up to settlement
Create
Sign up and complete standard KYC for individuals or KYB for businesses.
Fund
Fund with fiat or stablecoin and convert to any of the supported currencies.
Settle
Link and pay out to your bank or stablecoin beneficiaries.
Powered by blockchain
Xago orchestrates value on the XRP Ledger so that funds move where traditional rails can't.
Speed
Fast-track your cross-border money transfers — settlement in minutes, not days.
Cost
Cost-effective solutions and tailored payment channels, priced per transaction.
Reach
Transact with difficult-to-access currencies and corridors traditional rails miss.
2016
Founded in South Africa
FSCA
Regulated & licensed
1:1
Fiat-pegged stablecoins
XRPL
On-ledger settlement
Trusted to move money that matters
“We were losing days and a fortune in fees moving funds into African corridors. Xago settles the same transfers on the XRP Ledger in minutes, per transaction — our treasury finally has predictable cost.”
Thandeka N., Head of Treasury, Payments Group
Security and compliance, built in
Xago is regulated by the FSCA and operates to the same security standards expected of institutional payment providers.
FSCA Regulated
Licensed financial services provider, South Africa
256-bit Encryption
Bank-grade transport and data-at-rest security
SOC 2 Aligned
Independent controls over security and availability
PCI DSS Practices
Card and payment data handled to industry standard
Crypto assets are volatile and carry risk of loss. Stablecoin transactions on Xago are pegged 1:1 to supported fiat currencies but are not deposit-insured. Xago Technologies Pty Ltd is regulated by the FSCA; please review the applicable risk disclosures before transacting.
Security, pricing, and eligibility
Straight answers on how Xago is regulated, priced, and who can use it — no fine print buried in a help centre.
Xago Technologies Pty Ltd is regulated by the Financial Sector Conduct Authority (FSCA) in South Africa. Transfers move as stablecoins pegged 1:1 to their supported fiat currency on the XRP Ledger, settled under our licensed operating framework. Client funds and KYC data are handled under FSCA-aligned compliance controls, not ad-hoc internal policy.
Crypto assets can be highly volatile and are not suitable for all investors. Xago Technologies Pty Ltd is regulated by the FSCA. This page does not constitute financial advice.
Move money across borders, per transaction — no monthly fees.
FSCA-regulated · KYC-verified onboarding
Crypto assets are volatile and carry risk of loss. Xago Technologies Pty Ltd is regulated by the FSCA.